Frequently Asked Questions

Who are you and how did you access my personal data?

Our collection agency McGrath & Arthur d.o.o. is one of the collection agencies dealing with out-of-court debt collection. If we have access to your personal data, it means that your creditor has entrusted your debt to us for the period necessary for the performance of out-of-court collection activities. He also entrusted the related personal data to us in accordance with the applicable legislation and in the spirit of a mutually signed contract, from the non-fulfillment of which your debt arose. Of course, the management of your personal data is also subject to the conditions set by applicable legislation.

What happens if I don't pay my debt?

The creditor's claims for payment of the debt will not expire due to the inability or unwillingness to repay the debt. However, it is only up to the debtor to decide whether to use the out-of-court settlement method and to communicate properly with the administrator of his debt (collection agency) and subsequently to comply with the set agreements. However, the decision not to repay the debt only leads to a subsequent judicial collection, which most often ends with a significant increase in the amount of the debt, its payment in the form of execution and usually the associated reduction of the debtor and possibly his family's overall living, financial and social standard.

Isn't my contract invalid? Do I have to pay for it?

If the contractual relationship from which your debt arose has already expired, the agreed contractual conditions of this relationship and the rules established by the relevant legislation still apply. And if we have your debt in the management, it means that your (albeit former) contractual partner is actively exercising his contractual / legal claims for debt payment.

Do I have to pay my debts even if I am unemployed?

Loss of income or insolvency are the most common reasons for debt. However, it should be borne in mind that these are not grounds for non-payment of debts. Also, business entities do not include in business contracts a clause on the acceptance of default in the event of loss of employment. If you are already in such a situation, it is very important that you contact us immediately. We will try to find for you at least a temporary solution, which among other things, will often help to prevent a further increase in the amount of your debt. Even if the situation seems hopeless at the moment, we will definitely find a solution together.

Why does the creditor enforce my debt "out of court"?

Every supplier of services / goods for which his customers have not paid becomes a creditor. If these payments are not paid even after the creditor has tried to agree with the client on their payment, he will contact a specialized collection agency, which will try to conclude an agreement with the debtor on the payment of the amount due. And this process usually precedes the subsequent filing of a lawsuit with creditors. It is therefore called "out-of-court" debt collection.

I received a letter from you. What should I do now?

If you do not have the funds to pay immediately (which is the most advantageous option), we recommend that you contact our staff as soon as possible to help you resolve your situation.

You can contact us here:

Tel.: +387 33 832 303


WhatsApp: +387 61 442 617

Viber: +387 61 442 617

SMS: +387 63 776 324; +387 63 776 325; +387 63 776 327; +387 63 776 328

Facebook: McGrath & Arthur BIH


I just paid the installment. Do you already have it in your account?

Your payment is paid to a creditor's account to which we do not have direct access. We usually record the installment a few days after its implementation.

In any case, send us a confirmation of your payment by email:, you will ensure that your payment will definitely be correctly assigned to your receivable.

Why do I need to report my current contact information?

The obligation to report changes in contact details by default arises from the client's contractual agreement with the creditor. It is mainly related to the need of the supplier (creditor) to maintain proper communication with his client during the contractual relationship, e.g. also for the proper performance of the content of the contract by him. Also, in cases such as e.g. incurrence of debt for non-payment for goods and services, updated contact details of the client allow the creditor to respond to the situation in a timely manner and agree with the client on its solution.

As professionals in the field of debt management, we can confirm that in many cases it is the impossibility of communication between the creditor and the client that leads to unsolvable situations for the client, ending in undesirable endings.

For all of them, we can cite the example of a co-guarantor for a mortgage loan who did not update his contact address and telephone number with the lender for several years after he moved. In the meantime, the loan holder became insolvent and stopped repaying the loan, and even he did not have up-to-date contact details for the co-guarantor. Therefore he could not request repayment assistance, as contractually promised from the co-guarantor, to prevent the situation going from bad to worse. Subsequently, the unpaid apartment was executed, but the proceeds from the execution were not enough to repay the total debt (the apartment and the equipment of the apartment) and the loan holder never got out of the subsequent debt spiral… It was only years later that the creditor managed to contact a co-guarantor who would be able to help repay the debt as he had undertaken when the whole situation arose. However, due to non-updating of contact details he was never aware of the situation that, unfortunately, ended for him quite unexpectedly - with the loss of his own housing, as the creditor settled the outstanding debt with foreclosure income on his apartment...

The executor just contacted me. Do you have any recommendations for me?

If you have been contacted by a bailiff, we recommend that you proceed in accordance with his instructions given in the notice of commencement of execution, resp. in the enforcement order. If you are interested in repaying the debt in installments, we recommend that you contact the enforcement authority that manages the enforcement without delay. We also consider it important to point out that if the executor finds out about any disposal of the debtor's property, it may subsequently lead to the fulfillment of the factual substance of the criminal offense of damaging the creditor or the criminal offense of disadvantage of the creditor.